QAI Credit
Prototype developmentMove from credit files to credit intelligence.
QAI Credit helps lenders and authorised advisors organise evidence, analyse financial behaviour, apply institution-owned policy and document professional judgment without turning a consequential decision into a black box.
Working capital review
Reviewer sign-off required- 01Financial spreadSources mapped to entity and periodReconciled
- 02Bank & GST consistencyVariance linked to supporting recordsReview
- 03Institution policyDeviations require authorised reviewOpen
- 04Credit memoFindings, assumptions and sign-offDraft
Evidence supports judgment. The institution owns the decision.
Prototype concept. No real borrower data or lending recommendation.
The credit workflow
Evidence stays connected. At every stage.
| STAGE | CAPABILITY | CONTROL |
|---|---|---|
| Intake | Document classification, extraction, completeness and entity-period mapping | Approved sources and data-quality checks |
| Analysis | Financial spreading, ratios, trends, bank signals and GST/tax consistency | Source references and reviewer notes |
| Policy | Eligibility, deviations, covenants and configurable review steps | Institution-owned rules and change control |
| Decision | Evidence-linked findings, assumptions, scenarios and credit memo workspace | Authorised sign-off and recorded override |
| Monitoring | Covenants, early warnings, renewal readiness and portfolio views | Thresholds, escalation and ongoing review |
Pilot discipline
Start with one decision workflow.
Begin with one product, one borrower segment and one decision workflow. Establish baseline performance, data rights, reviewer roles, policy ownership, fairness considerations and measurable success criteria before integration or model development.
Scope & responsibility
Judgment stays with the institution.
Any score or indicator displayed by QAI Credit is an internal decision-support measure unless independently validated and legally qualified otherwise. It is not a public credit rating and must not represent automatic approval or rejection.
Review our model governanceBuild a clearer way forward